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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $99,733 | $121,656-18.0% | $104,614-4.7% | $158,950-37.3% |
| Participation rate | 50.0% | 77.5%-27.5pp | 74.1%-24.1pp | 82.0%-32.0pp |
| Annual return | 152.00% | 465.51%-313.5pp | 340.56%-188.6pp | 302.91%-150.9pp |
| Employer contribution / active EE | $7,550 | $3,164+138.6% | $2,681+181.6% | $4,762+58.5% |
| Participant deferral / active EE | $7,421 | $4,177+77.7% | $3,739+98.5% | $5,983+24.0% |
| Admin fee / account holder | $2,803 | $7,775-63.9% | $6,464-56.6% | $11,248-75.1% |